JP2017156794A - Credit card settlement system and credit card use support method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card settlement system that enables a user to recognize an accumulated outstanding payment when using a credit card and to pay at an arbitrary timing.SOLUTION: A credit card settlement system includes a database 22 that stores credit information 221 and sale history information 222 in association with each other, authentication request information reception means that receives, from an affiliated store settlement terminal 3, authentication request information including information on a sale amount, sale card retrieval means that retrieves a credit card number included in the authentication request information from the database 22, sale information addition means that adds and updates information on a sale date and the sale amount, the information being included in the authentication request information, credit amount addition means that adds the sale amount to a credit amount and updates the credit amount, and settlement/claim information transmission means that transmits, to the affiliated store settlement terminal 3, settlement/claim information, the information including the updated credit amount and a next payment date, and a print request that causes the affiliated store settlement terminal 3 to print a slip that includes the credit amount, the next payment date, and the like.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit card settlement system and a credit card utilization support method that can be used in medical institutions, sports clubs, and the like.

  In recent years, credit cards that pay by postpay have been used more and more, such as shopping at stores, payment of medical expenses at medical institutions, and payment of membership fees for sports clubs.

  However, a credit card company has a problem that it is necessary to collect and collect receipt copies monthly and issue a bill (see, for example, Patent Document 1). Therefore, the credit card company has a problem in that it requires monthly counting processing, and postage costs and labor costs are incurred by issuing an invoice. Further, the user has a problem that the billing amount is not known until he / she sees a monthly bill that arrives in the next month or the month after next. Also, since it is deducted every month specified on the invoice, it could not be paid at any time.

Japanese Patent No. 5719589 (paragraph 0112)

  The present invention has been made in order to solve the above-described problems, and allows a user to recognize a total unpaid amount when using a credit card, and allows a user to make payment at an arbitrary timing. And to obtain a credit card usage support method.

A first aspect of the present invention is a credit card payment system that performs payment of a credit card by transmitting and receiving information relating to payment processing with a member store payment terminal connected via a communication line,
A database stored in association with credit card number, receivable information including next due date and amount of receivable, and sales history information including sales date and sales amount for each sales;
Authentication request information receiving means for receiving authentication request information including information on a credit card number, sales date and time, and sales amount from the member store settlement terminal;
Sales card search means for searching a credit card number included in the authentication request information received by the authentication request information receiving means from the database;
Sales information adding means for adding and updating information on sales date and sales amount included in the authentication request information to the sales history information stored in association with the credit number searched by the sales card search means;
Claim amount information adding means for adding the amount of sales included in the authentication request information to the claim amount and updating the claim information stored in association with the credit number searched by the sales card search means;
Settlement including the credit number included in the received authentication request information, the sales date / time and the sales amount, and the receivable amount and the next payment date included in the receivable information updated by the receivable amount adding means to the member store settlement terminal Settlement / billing information transmitting means for transmitting billing information and a print request for printing a slip including a part or all of a credit card number included in the settlement / billing information, a sales amount, a receivable amount and a next due date; ,
There is provided a credit card settlement system characterized by comprising:

In addition,
Payment information receiving means for receiving payment information including payment card information and payment amount;
Payment card search means for searching a credit card number corresponding to payment card information included in the payment information received by the payment information reception means from the database;
Receivable amount subtraction means for subtracting and updating the amount of payment included in the payment information from the amount of receivable to the receivable information stored in association with the credit number searched by the payment card search means;
Payment information addition means for adding and updating a record of payment for the amount of payment included in the payment information to the sales history information stored in association with the credit number searched by the payment card search means;
It is preferable to have.

The second aspect of the present invention provides a database that stores a credit card number, a claim information including a next payment date and a claim amount, and sales history information including a sale date and a sale amount for each sale. A method for supporting the use of a credit card using a credit card payment system having a credit card payment system and a member store payment terminal connected to the credit card payment system via a communication line,
Causing the member store payment terminal to execute,
(A) Sales amount input step for accepting input of sales amount;
(B) a card information input step for receiving an input of a credit card number;
(C) an authentication request information transmission step for transmitting authentication request information including the credit card number received in the card information input step and the sales amount received in the sales amount input step to the credit card settlement system;
Causing the credit card payment system to execute,
(D) an authentication request information receiving step for receiving the authentication request information from the member store settlement terminal;
(E) a sales card search step of searching the database for a credit card number included in the authentication request information received in the authentication request information reception step;
(F) Sales information to be updated by immediately adding sales date information and sales amount information included in the authentication request information to the sales history information stored in association with the credit number searched in the sales card search step. Additional steps,
(G) A receivable amount addition for updating the receivable information stored in association with the credit number searched in the sales card searching step by immediately adding the receivable amount included in the authentication request information to the receivable amount Steps,
(H) The credit number included in the received authentication request information, the sales date and time, the sales amount, the receivable amount included in the receivable information updated in the receivable amount adding step, and the next payment date Settlement / billing information including a payment request for printing a slip including a part or all of a credit card number included in the settlement / billing information, a sales amount, a receivable amount, and a next payment date. Sending step;
Causing the member store payment terminal to execute,
(I) a settlement / billing information receiving step for receiving the settlement / billing information and the print request from the credit card settlement system;
(J) based on the print request, a printing step of printing a slip including a part or all of the credit card number included in the received settlement / billing information, a sales amount, a receivable amount, and a next payment date;
A credit card usage support method is provided. The means for accepting the input of the credit card number includes reading by the magnetic field from the credit card in addition to the input by the numeric keypad.

  According to the present invention, when the credit card is used, the user can recognize the accumulated unpaid amount, and the user can pay at an arbitrary timing. According to the present invention, since the credit card company does not need to perform monthly aggregation processing and does not need to issue bills monthly, it is possible to reduce mailing costs and labor costs. In addition, since the current amount of debt is known on the user side every time it is used, it is possible to prevent overuse, and payment can be made at any timing without waiting for the monthly withdrawal, which is highly convenient.

It is a figure which shows the outline | summary of the credit card payment system of Example 1 of this invention. It is a figure which shows the example of description of the voucher issued by the credit card payment system of Example 1 of this invention. It is a figure which shows the outline of the conventional credit card payment system. It is comparison explanatory drawing of the credit card payment system of Example 1 of this invention, and the conventional credit card payment system. It is explanatory drawing of the processing flow at the time of card use of the credit card utilization assistance method of Example 1 of this invention. It is explanatory drawing of the processing flow at the time of payment of the credit card utilization assistance method of Example 1 of this invention.

  Hereinafter, preferred embodiments of the present invention will be specifically described with reference to the accompanying drawings for the credit card settlement system of the present invention, but the present invention is not limited to these.

{Configuration example of credit card payment system}
FIG. 1 is a diagram showing an overview of a credit card settlement system according to a first embodiment of the present invention. The credit card payment system 2 according to the first embodiment of the present invention is a credit card payment system that performs payment of a credit card by transmitting / receiving information related to payment processing to / from a member store payment terminal 3 connected via a communication line 4. is there. The communication line 4 includes a payment network, a public network such as the Internet, and a line network (network) such as a dedicated line.

(Merchant settlement terminal 3)
The member store settlement terminal 3 is a terminal having a credit card settlement function, and is connected to the communication line 4, and can communicate with the credit card settlement system 2 via the communication line 4. The member store settlement terminal 3 may be integrated with a credit inquiry terminal (Credit Authorization Terminal, Credit Center Terminal, etc.) or a POS register. There are various types of payment terminals that are generally used, not limited to the configuration of the franchise payment terminal 3 that will be described in detail below, that the card number and the like can be entered in some way, the amount can be entered in some way, There is no particular limitation on the settlement terminal to be used as long as it is possible to transmit / receive a message with the credit company by a difficult method and to be able to print the contents of the message from the credit company and the current sales amount by some method.

  In this embodiment, the member store settlement terminal 3 includes a CPU that is a control unit 33 that controls the entire member store settlement terminal 3, a ROM that stores various programs to be executed during card settlement, a work area of the CPU, and the like. As a RAM, an input unit 34 including a keyboard including a numeric keypad, a communication control unit 31 including a network interface, a card reading unit 35 including a card reader, and a printing unit 32 including a printer. ing. In the present embodiment, the member store settlement terminal 3 has a display unit such as a display for displaying input information and the like, a buzzer for notifying an error, and the like, but these may be omitted.

  The card reading unit 35 is a card information input unit that accepts input of credit card information. In this embodiment, the card reading unit 35 has a slit into which a credit card is inserted, and the credit card stored in the card when the credit card is inserted into the slit. Although the information is read by magnetism, the card reader 35 may be a card reader 35 that reads credit card information by a placement type stored in the card by holding the credit card over the upper part or the like instead of the slit type. In the present embodiment, the read credit card information includes personal identification number information and expiration date information in addition to the credit card number. The reading format may be other methods such as information reading from an IC chip.

  The input unit 34 is a numeric keypad, a keyboard, or the like, or a barcode reader, and is a sales amount input unit that receives an input of a sales amount. In the case of a barcode reader, the price of a product is automatically input by reading a barcode such as a product tag. In the present embodiment, the input unit 34 accepts the input of the sales amount, but the input unit 34 accepts the input of the credit card number or the personal identification number instead of the card reading unit 35 in addition to the receipt of the sales amount. Thus, it may be a card information input means for receiving input of credit card information. The input unit 34 may be one in which the sales amount is automatically input in conjunction with a cash register operation in conjunction with a part of the cash register of the store. In the present embodiment, the card reading unit 35 reads the password, the input unit 34 accepts the input of the password, and the member store settlement terminal 3 confirms whether the entered password is correct and the read credit card information. It is determined whether the expiration date included in the password has already passed, and if an error occurs, payment is not performed, and payment is executed only if no error occurs, but the member store payment terminal 3 verifies the PIN It may not be.

  The communication control unit 31 includes an authentication including the credit card number received by the card information input unit configured by the card reading unit 35 and the sales amount received by the sales amount input unit configured by the input unit 34. Authentication request information transmitting means for transmitting request information to the credit card settlement system 2. The authentication request information is a message to the credit card payment system 2. In the present embodiment, the authentication request information further includes sales date / time and member store identification information, card expiration date information and other credit card information, the member number of the member store settlement terminal 3, and a slip number.

  The communication control unit 31 is also a settlement / billing information receiving unit that receives settlement / billing information and a print request from the credit card settlement system 2. The communication control unit 31 is also a sales rejection information receiving unit that receives sales rejection information from the credit card settlement system 2. The settlement / billing information and the sales refusal information will be described later. When the sales refusal information is received, the display unit displays the sales refusal, and the process ends.

  Based on the print request received from the credit card payment system 2, the printing unit 32 includes a part or all of the credit card number included in the received payment / billing information, the sales amount, the receivable amount, and the next payment date. It is a printing means for printing the slip 8.

  The control unit 33 executes various programs to control the member store settlement terminal 3 as a whole.

(Credit card payment system 2)
The credit card settlement system 2 can be realized by a computer device such as a personal computer. The credit card settlement system 2 of the credit card settlement system 1 of the present embodiment includes a database 22 having bond information 221 and sales history information 222.

  The credit card payment system 2 of the credit card payment system 1 according to the present embodiment is a CPU that is a control unit 23 that controls the entire credit card payment system 2, various programs to be executed at the time of card payment, and executed at the time of deposit processing. ROM which stores various programs to be executed, RAM used as a work area of CPU, HDD (hard disk drive), HD (hard disk) including database 22, data transmission / reception via communication network such as Internet and LAN A communication control unit 21 including a network interface and an input unit 24, each of which is connected by a bus. In this embodiment, the credit card settlement system 2 includes a printing unit including a printer and a display unit such as a display for displaying input information, but these may be omitted. The database 22 may be stored in a storage medium such as a flexible disk or a USB memory instead of the HD. In this embodiment, the function of the computer capable of the processing of this embodiment is realized by the CPU loading the program of this system into the memory and executing it. When each function uses the information stored in the memory in the processing, each function reads the corresponding information from the memory and uses the read information for processing in the CPU as appropriate. Further, the processing in the credit card settlement system 2 may have its functions distributed to a plurality of computers. Each means in the present embodiment is only logically distinguished in function, and may be physically or practically the same area.

  The database 22 is a database in which credit card numbers, receivable information including the next payment date and receivable amount, and sales history information including the sales date and sales amount for each sales are stored in association with each other. Furthermore, the user name, the expiration date of the credit card, and the usable upper limit information are also stored in association with the credit card number.

  The communication control unit 21 is an authentication request information receiving unit that receives authentication request information from the member store settlement terminal 3. In this embodiment, the authentication request information includes the credit card number, sales amount, sales date, member store identification information, card expiration date information, other credit card information, and the terminal number of the member store settlement terminal 3 as described above. , Including the slip number.

  The control unit 23 executes various programs to control the entire credit card payment system 2. The control unit 23 is a sales card search unit that searches the database 22 for a credit card number included in the authentication request information when the communication control unit 21 that is an authentication request information receiving unit receives the authentication request information. Further, the sales history information 222 stored in association with the searched credit number is immediately updated by adding the sales date and sales amount information included in the authentication request information described above to the stored information. Sales information addition means. In addition, the control unit 23 immediately adds the sales amount included in the authentication request information described above to the stored credit amount in the credit information 221 stored in association with the searched credit number. It is also a means to add receivable amounts. The bond information 221 and the sales history information 222 in the database 22 are immediately updated simultaneously every time authentication request information is received.

  In the present embodiment, the control unit 23 is also a sales permission / non-permission determination unit that determines whether or not sales are possible before adding sales. Specifically, when the sales amount included in the authentication request information is added to the receivable amount of the receivable information 221 stored in association with the credit number, the available upper limit information stored in association with the credit number. Exceeding the credit information 221 and the sales history information 222, the sales rejection information is created. The sales refusal information is a telegram including a credit card number and a text indicating the refusal of sales. The communication control unit 21 transmits the created sales rejection information to the member store settlement terminal 3 to complete the process.

  The communication control unit 21 receives the credit amount, the sales date, and the sales amount included in the received authentication request information together with the credit amount and the due date included in the credit information 221 of the database 22 updated by the control unit 23 that is a credit amount addition unit. The payment / billing information transmitting means for transmitting the payment / billing information including the print request and the print request to the member store terminal device that has transmitted the authentication request information to the credit card payment system 2. The settlement / billing information is a message to the member store settlement terminal 3, and this print request requests the printing unit 32 of the member store settlement terminal 3 to print a predetermined item including the settlement / billing information. It is a command. In this embodiment, the settlement / billing information includes the updated amount of receivable and the next payment date, as well as the member store name and member store number, credit card company name, credit card information, sales amount, sales date and time, member store settlement terminal. 3 terminal number, slip number, processing serial number, approval number, card name, and next minimum payment amount.

  In this embodiment, since the bond information 221 and the sales history information 222 are simultaneously updated at the time of sales, not only the sales information but also information corresponding to statutory requirements such as the current usage balance and the next payment date, the member store settlement terminal. 3 can be transmitted. Then, by making a print request to the member store settlement terminal 3, information including the sales amount, the sales date, the member store name, the credit company name, the credit amount, and the next payment date is described in the slip 8 that the user can receive at the time of use. Is done. Therefore, the slip 8 is not a simple credit sales slip but also serves as a credit bill.

  FIG. 2 is a diagram illustrating a description example of a slip issued by the credit card settlement system according to the first embodiment of the present invention. The slip 8 printed by the credit card settlement system 1 according to the first embodiment of the present invention and delivered to the user 6 includes the “usage details” column with the “usage details” and the “usage details” field. “Last state” includes statements that meet the legal requirements of the Installment Sales Act. Specifically, in this embodiment, in the column of “usage details”, in addition to the usage amount, that is, the sales amount, the sales date, that is, the usage date, the terminal number that is the number of the member store settlement terminal 3, the slip Number, processing serial number, approval number, merchant name, merchant number, card name, credit card number with a part of the abbreviation, and credits with a part of the letter in the "Status after use" column The card number, the next payment date, and the name of the credit card company are described. In the case of revolving payment, the next minimum payment amount is also included.

  The slip 8 prints not only the sales amount, sales date, and member store name, but also the credit company name, receivable amount, and next payment date, and therefore satisfies the legal requirements of the installment sales method. Therefore, the slip 8 is not a simple credit sales slip but also serves as a credit bill. Therefore, the user can recognize the accumulated unpaid amount when using the credit card, and the user can make payment at an arbitrary timing. On the user 6 side, since the current amount of debt is known each time it is used, it is possible to prevent overuse, and payment can be made at any time without waiting for the monthly withdrawal, which is highly convenient. In addition, since the credit card company does not need monthly aggregation processing and does not require monthly invoicing, it can reduce mailing costs and labor costs.

  In addition, as shown in FIG. 1, the credit card settlement system according to the first embodiment of the present invention further includes a business terminal as one of payment information receiving means for receiving payment information including payment card information and payment amount. An input unit 24 is provided. Depending on the payment method, the communication control unit 21 is also a payment information receiving means.

  In the present embodiment, as a payment method, any method can be selected from transfer deposit, ATM deposit, account withdrawal and the like. When the money is transferred to an account designated by the credit card company, payment information including a credit card number and a payment amount input by an employee of the credit card company based on the payment information of the received account is input by the input unit 24. Accept. When the deposit information is name information instead of a credit card number, a credit card number is searched in advance by performing a name collation operation from a database. When depositing from ATM 9, the communication control unit 21 receives the received telegram and automatically accepts it as payment information accepting means. When an account is debited from an account designated by the user of the bank 10, the communication control unit 21 receives debit data from a bank / factoring company and automatically accepts it as a payment information accepting means.

  The control unit 23 is also a payment card search unit that searches the database 22 for a credit card number corresponding to the payment card information included in the payment information received by the input unit 24 or the communication control unit 21 that is a payment information reception unit. Further, the control unit 23 subtracts the amount of payment included in the above-described payment information from the stored amount of receivables and updates the amount of receivable information 221 stored in association with the retrieved credit number. It is also a means. Further, the control unit 23 further adds payment information to the sales history information 222 stored in association with the searched credit number, and updates the payment amount included in the above-described payment information by updating it. It is also a means. The bond information 221 and the sales history information 222 in the database 22 are immediately updated simultaneously every time payment information is received.

  In this embodiment, since the bond information 221 and the sales history information 222 are simultaneously updated at the time of payment, not only the sales information but also information such as the current usage balance and the next payment date are input by the input unit 24 and the communication control unit 21. As soon as it is accepted, it becomes the latest information, and the user can know the latest amount of receivable and the next payment date at the time of use, and can pay at any time.

  FIG. 3 is a diagram showing an outline of a conventional credit card settlement system. As shown in Fig. 3, with the conventional system, sales history information is not accumulated immediately and receivable information is aggregated and updated monthly, so only receipts with no statutory requirements can be issued when used. In addition, it was necessary to issue a monthly invoice.

  In this embodiment, unlike the conventional case shown in FIG. 3, the user 6 side can know the current amount of debt every time it is used, so it can be prevented from being overused, and at any timing without waiting for the monthly withdrawal. Since payment is possible, convenience is high. In addition, since the credit card company does not need monthly aggregation processing and does not require monthly invoicing, it can reduce mailing costs and labor costs.

FIG. 4 is an explanatory diagram for comparing the credit card settlement system according to the first embodiment of the present invention and the conventional credit card settlement system.
In the present embodiment, unlike the conventional case, there is no need to accumulate sales telegrams and total the monthly sales records against the accumulation of sales slips, and send a monthly credit invoice. The latest information on the information can be written and used together with the invoice, so that resources are not wasted, costs can be reduced, and user convenience is improved.

{Example of processing procedure for credit card usage support method}
FIG. 5 is an explanatory diagram of a processing flow when the card is used in the credit card utilization support method according to the first embodiment of the present invention.
The credit card utilization support method according to the first embodiment of the present invention using the credit card settlement system 2 according to the first embodiment of the present invention, that is, the credit information including the credit card number, the next payment date and the amount of the receivable, A credit card settlement system 2 having a database 22 stored in association with sales history information 222 including a sales date and a sales amount for each sale, and a merchant settlement terminal connected to the credit card settlement system 2 via a communication line 4 3 to support the use of a credit card, and when the card is used, the following steps (A) to (C), which are executed by the member store settlement terminal 3, are followed by the credit card settlement system. 2, the following steps (D) to (H) are executed, and then the following (I) to (J) are executed by the member store settlement terminal 3. And a respective step, when paid, to be executed by the credit card system 2, including the steps of the following (K) ~ (N).

  The step (A) is a sales amount input step for accepting the input of the sales amount. This is the stage of inputting the sales amount (No. 1) on the sales screen or the like after the stage of completing the connection authentication etc. in advance at the member store shown in FIG. 5 (No. 0). When the store clerk inputs the sales amount at the cash register or applies a reader to the barcode of the product tag, the member store settlement terminal 3 stores the amount of money entered or the amount read by the barcode as the sales amount. To do. For example, the sales amount is input by the input unit 34.

  Step (B) is a card information input step for accepting input of a credit card number. This is the stage of reading or inputting (No. 2) the card number of the member at the member or member store shown in FIG. A user who is a credit member makes a credit card to a payment terminal, a post register, or the like to read a slit, that is, a card, in order to make a credit payment for the purchased item or the price of the provided service. At this time, instead of the card slit, an input of a credit card number or an alternative number may be performed. For example, a card number or the like is read and input by the card reading unit 35, but alternative input using a keyboard or the like is also possible.

  The step (C) includes authentication request information for transmitting to the credit card settlement system 2 authentication request information including the credit card number received in step (B) and the sales amount received in step (A). This is a transmission step. This is the stage (No. 3) of transmitting a predetermined telegram to the credit company shown in FIG. Information such as the credit card number, the sales amount, that is, the use amount, the use member store information, the use date and time, etc. is transmitted to the credit card company by the processing of the member store clerk or the like. For example, the control unit 33 generates a fixed-form message with the date and member store number appended thereto, and the generated message is sent to the credit card payment system 2 via the communication control unit 31 and the communication line 4. .

  Step (D) is an authentication request information receiving step for receiving authentication request information from the member store settlement terminal 3. This is the stage of arrows from No. 3 to No. 4 shown in FIG.

  The step (E) is a sales card search step for searching the credit card number included in the authentication request information received in the step (D) from the database 22. This is the stage of arrows from No. 3 to No. 4 shown in FIG. After such a stage, the credit company's server etc. determines whether or not sales are possible (No. 4), and if the sales allowance (No. 5) is not approved, a sales rejection message is sent to the member store terminal. (No. 6) Upon receiving the sales rejection message, the member store side terminal performs error processing such as a screen display indicating that the sales are rejected (No. 6 (2)). If sales are permitted (No. 5), the process proceeds to the next step.

  In the step (F), the sales date and time included in the authentication request information received in the step (D) and the sales history information 222 stored in association with the credit number searched in the step (E) This is a sales information addition step for adding and updating the sales amount information. This is the stage (No. 7) for registering the sales history of the member shown in FIG.

  In the step (G), the amount of sales included in the authentication request information received in the step (D) is immediately added to the claim information 221 stored in association with the credit number searched in the step (E). This is a credit amount addition step for updating by adding to the credit amount. This is the stage (No. 8) in which the credit balance of the corresponding member is added and the next payment date, the next payment amount, etc. are updated as shown in FIG. In the system of the credit company that received the message from the member store, the latest bond information of the member is calculated and updated immediately.

  In step (H), the credit number and sales included in the authentication request information received from the member store settlement terminal 3 are sent to the member store settlement terminal 3 that has transmitted the authentication request information to the credit card settlement system 2 in step (C). Settlement / billing information including date / time and sales amount and the amount of receivables included in the receivable information updated in step (G) and the next payment date, and part or all of the credit card number included in the settlement / billing information This is a settlement / billing information transmission step for transmitting a print request for printing a slip including a sales amount, a receivable amount and a next due date. This is a stage (No. 9) in which a legal requirement print request is transmitted to the terminal based on the updated information shown in FIG. Based on the latest update result, the current credit debt information, the latest payment date, etc. are requested to be printed on the member store terminal / post register. For example, in the previous step, the credit card settlement system 2 immediately updates the credit information 221 and the sales history information 222 of the member, and in this step, a message that meets the legal requirements is generated based on the result, and the communication line 4 Is sent to the member store settlement terminal 3 via.

  Step (I) is a settlement / billing information receiving step for receiving settlement / billing information and a print request from the credit card settlement system 2. This is the stage of arrows from No. 9 to No. 10 shown in FIG.

  Step (J) is a printing step for printing a slip including part or all of the credit card number included in the received settlement / billing information, the sales amount, the amount of receivables, and the next payment date based on the print request. is there. This is the stage of printing the legal requirements (No. 10) together with the receipt based on the print request from the credit company shown in FIG. For example, the control unit 33 that has received the electronic message via the communication control unit 31 generates print contents and prints a document of legal requirements via the printing unit 32.

  As a result of the system processing on the credit card company side, the amount used this time, the accumulated debt balance after use, that is, the credit amount (invoiced amount) as seen from the credit card company side, and the credit obligation (viewed from the credit card company side) Print a receipt describing the legal requirements necessary for claiming the claim and submit it to the credit member. As a result, in the conventional credit system, billing to the member, which has been done by monthly closing, is performed as needed and immediately, and monthly billing actions (issuance of bills, mailing, etc.) become unnecessary.

  FIG. 6 is an explanatory diagram of a processing flow at the time of payment in the credit card utilization support method according to the first embodiment of the present invention.

  Step (K) is a payment information receiving step for receiving payment card information and payment information including the payment amount. Part or all of the credit liability is paid by the member by bank transfer, direct debit, or ATM payment. Depending on the payment method, it is input to the credit card settlement system 2 by an employee registration message at the business terminal as the input unit 24, account withdrawal data from the bank 10 or the like, or a payment receipt message from the ATM 9 or the like. The

  The step (L) is a payment card search step for searching the database 22 for a credit card number corresponding to the payment card information included in the payment information received in the step (K).

  In the step (M), the payment amount included in the payment information is immediately subtracted from the bond amount and updated to the bond information stored in association with the credit number searched in the step (L). This is a credit amount subtraction step.

  In step (N), a record of payment for the payment amount included in the payment information is immediately added to the sales history information stored in association with the credit number searched in step (L). This is a payment information addition step to be updated. When payment is input, the credit card settlement system 2 immediately updates the bond information 221 and the sales history information 222 as shown in FIG.

{effect}
According to the present embodiment, the user can recognize the accumulated unpaid amount when using the credit card, and the user can make payment at an arbitrary timing. On the user 6 side, since the current amount of debt is known each time it is used, it is possible to prevent overuse, and payment can be made at any time without waiting for the monthly withdrawal, which is highly convenient. In addition, since the credit card company does not need monthly aggregation processing and does not require monthly invoicing, it can reduce mailing costs and labor costs.

  The present invention is not limited to the above embodiment, and various modifications can be made without departing from the spirit of the invention. In addition, the constituent elements of the above embodiments can be arbitrarily combined without departing from the spirit of the invention.

2 credit card payment system 21 communication control unit 22 database 221 bond information 222 sales history information 23 control unit 24 input unit 3 member store payment terminal 31 communication control unit 32 printing unit 33 control unit 34 input unit 35 card reading unit 4 communication line 6 User 7 Credit card 8 Voucher 9 ATM
10 Bank

Claims (3)

A credit card payment system that performs payment of a credit card by transmitting / receiving information related to payment processing to / from a merchant payment terminal connected via a communication line,
A database stored in association with credit card number, receivable information including next due date and amount of receivable, and sales history information including sales date and sales amount for each sales;
Authentication request information receiving means for receiving authentication request information including information on a credit card number, sales date and time, and sales amount from the member store settlement terminal;
Sales card search means for searching a credit card number included in the authentication request information received by the authentication request information receiving means from the database;
Sales information adding means for adding and updating information on sales date and sales amount included in the authentication request information to the sales history information stored in association with the credit number searched by the sales card search means;
Claim amount information adding means for adding the amount of sales included in the authentication request information to the claim amount and updating the claim information stored in association with the credit number searched by the sales card search means;
Settlement including the credit number included in the received authentication request information, the sales date / time and the sales amount, and the receivable amount and the next payment date included in the receivable information updated by the receivable amount adding means to the member store settlement terminal Settlement / billing information transmitting means for transmitting billing information and a print request for printing a slip including a part or all of a credit card number included in the settlement / billing information, a sales amount, a receivable amount and a next due date; ,
A credit card settlement system characterized by comprising: further,
Payment information receiving means for receiving payment information including payment card information and payment amount;
Payment card search means for searching a credit card number corresponding to payment card information included in the payment information received by the payment information reception means from the database;
Receivable amount subtraction means for subtracting and updating the amount of payment included in the payment information from the amount of receivable to the receivable information stored in association with the credit number searched by the payment card search means;
Payment information addition means for adding and updating a record of payment for the amount of payment included in the payment information to the sales history information stored in association with the credit number searched by the payment card search means;
The credit card settlement system according to claim 1, further comprising: A credit card settlement system having a database in which a credit card number, a claim information including a next due date and a claim amount, and a sales history information including a sale date and a sales amount for each sale are stored in association with each other, and the credit card settlement A method for supporting the use of a credit card using a merchant settlement terminal connected to the system via a communication line,
Causing the member store payment terminal to execute,
(A) Sales amount input step for accepting input of sales amount;
(B) a card information input step for receiving an input of a credit card number;
(C) an authentication request information transmission step for transmitting authentication request information including the credit card number received in the card information input step and the sales amount received in the sales amount input step to the credit card settlement system;
Causing the credit card payment system to execute,
(D) an authentication request information receiving step for receiving the authentication request information from the member store settlement terminal;
(E) a sales card search step of searching the database for a credit card number included in the authentication request information received in the authentication request information reception step;
(F) Sales information to be updated by immediately adding sales date information and sales amount information included in the authentication request information to the sales history information stored in association with the credit number searched in the sales card search step. Additional steps,
(G) A receivable amount addition for updating the receivable information stored in association with the credit number searched in the sales card searching step by immediately adding the receivable amount included in the authentication request information to the receivable amount Steps,
(H) The credit number included in the received authentication request information, the sales date and time, the sales amount, the receivable amount included in the receivable information updated in the receivable amount adding step, and the next payment date Settlement / billing information including a payment request for printing a slip including a part or all of a credit card number included in the settlement / billing information, a sales amount, a receivable amount, and a next payment date. Sending step;
Causing the member store payment terminal to execute,
(I) a settlement / billing information receiving step for receiving the settlement / billing information and the print request from the credit card settlement system;
(J) based on the print request, a printing step of printing a slip including a part or all of the credit card number included in the received settlement / billing information, a sales amount, a receivable amount, and a next payment date;
A credit card usage support method comprising:

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